How can you claim UC?

The first step is to access gov.uk Verify Online. You choose from a list of certified companies and answer some questions and checks to verify your identity. It takes about 15 minutes and must be completed before making a UC application.

You will you also need to set up an email account prior to making an application.

You will then need the following information:

Your postcode

Your national insurance number

Details of the bank or building society account you want UC paid into

Your tenancy agreement

Details of your savings or other capital

Details of any income that’s not from work, for example an insurance plan

Details of any other benefits you’re getting

Details of any children including their Child Benefit numbers

You may also need the above information for people who live in your home such as a partner

2. Create or use an existing email account

Universal Credit is managed online so from time to time you’ll need to check your online Journal if you need to report a change of circumstances or to ask a question about your claim. If you don’t have access to the internet, there’s a number of other ways you can get online, click the link to view available computers in Barnet. [link to support page]

3. Set up or use an existing bank account or credit union account

Universal Credit payments will be paid into your bank account which is why it is important to open one if you don’t currently have one. Most banks offer basic accounts which allow you to access the money you have, set up Direct Debits and offer a number of ways to do your banking, such as online. You might find that Credit Unions are more suitable for you; you can find out more here http://credit-union.coop/

Some people who have no or bad credit rating find it difficult to access credit or certain types of bank accounts. Basic bank accounts, such as those listed below, can be accessed even if you have a poor credit history as all the bank will be doing is allowing you to access your money and won’t be offering you any credit, such as an overdraft facility.

If you have never had a bank account before it might be a good idea to do a bit of research and speak to staff at your local banks to see which offer accounts that best suit your needs.

Bank

Account type

What you will get

Barclays

Cash Card Account

• Choose either a Visa debit card or cash card (ATM only)
• Ability to set up Direct Debits or standing orders
• Cash withdrawals of up to £300 a day
• Manage your account online, in branch or over the phone
• Regular statements

Lloyds TSB

Cash Account

• Visa debit card
• Ability to set up Direct Debits or standing orders
• Manage your account online, in branch or over the phone

NatWest

Basic Account

• Visa debit card
• Cash withdrawals of up to £300 a day
• Ability to set up Direct Debits or standing orders
• Regular statements

• Cash card
• Ability to set up Direct Debits or standing orders
• Manage your account online, in branch or over the phone
• Use a Post Office branch to withdraw cash or check your balance up to twice a day
• Monthly statements

HSBC

Basic Bank Account

• Visa debit card
• Cash withdrawals of up to £300 a day
• Manage your account online, in branch or over the phone
• Ability to set up Direct Debits or standing orders